Payday Loans are High-Cost Loans

In Manitoba, the maximum allowable charge for a payday loan is 17% of the principal amount of the loan.

Sample $300 loan for 12 days:
Total cost of credit = $51
The Annual Percentage Rate (APR) = 517.08%
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The total that must be repaid is: $351.00

This information meets the requirements of The Consumer Protection Act. To learn more about your rights as a payday loan borrower, contact the The Consumer Protection Office at 945-3800, 1-800-782-0067 or at http://www.gov.mb.ca/cca/cpo/.

$17 per $100 borrowed

Fees and Charges:
If you obtain a payday loan from us, you will pay the following fees and charges:

Loan Fee of 17% of the loan principal, payable on the loan repayment date

NSF Charge of $25, for a dishonoured cheque or pre-authorized debit. This charge is payable only once per loan, regardless of the number of cheques or pre-authorized debits dishonoured

Default Interest of 30% per annum for the first 90 days and then 26% thereafter, will be charged on the outstanding principal balance of the loan, if you fail to pay the loan in full on the repayment date.

By completing this online application, you are authorizing Cash Money to contact you by phone and email for a follow up.
Online application only offered to residents of Alberta, British Columbia, Nova Scotia, Ontario and Saskatchewan.

Financial Services

If you're short on cash and bills are piling up, a payday loan may be a solution. Cash Money offers payday loans up to $1,500. Stop by to experience the convenience of Cash Money’s Express Approval. All you need to apply is proof of income and a bank account.

The opt+® prepaid MasterCard® – exclusively offered at Cash Money – provides a safe, easy and convenient way to manage your money. Load your card with funds and use it for all the things you use cash for – shopping, gift-giving, travel, or everyday purchases. Use anywhere MasterCard® is accepted. Plus, enjoy complimentary free loads and unloads at Cash Money stores.

Need a safe and convenient way to pay bills? Protect your banking information by using a Western Union® money order instead of using a personal cheque. Money orders are safe, easy to use, and can be tracked to confirm receipt of payment.

Directions

Offering an easy, fast and friendly way to handle a variety of cash services from payday loans to cheque cashing, Cash Money is proud to serve at Simcoe just south of Taunton, in the heart of North Oshawa. Our store is just minutes east of the Oshawa Municipal Airport, right between Ichiban Sushi House and the Crooked Uncle restaurant. Come meet our friendly staff and see why Cash Money is the most trusted payday lender in Oshawa.

Payday Loans are high cost loans. Loan amounts are subject to net pay and other qualification requirements. Promotional rates not available in Alberta, Manitoba, New Brunswick or Saskatchewan.
British Columbia Residents: The maximum charges permitted in British Columbia for a Payday Loan is 17% of the principal. We charge $17 per $100 borrowed. On a $300 loan for 14 days, the total cost of borrowing is $51, with a total payback amount of $351 and an APR of 443.21%. $300 for $20 promotional rate - Under this offer, on a $300 loan for 14 days, the cost of borrowing is $20, with a total payback amount of $320 and an APR of 173.81%. BC Licence #50066.
Manitoba Residents: In Manitoba, the maximum allowable charge for a payday loan is 17% of the principal amount of the loan. We charge $17 per each $100 loaned. On a $300 loan for 12 days, the cost of borrowing is $51, the total that must be prepaid is $351 and an APR of 517.08%. To learn more about your rights as a payday loan borrower, contact the Consumers' Protection Office at 945-3800, (800) 782-0067 or at http://www.gov.mb.ca/cca/cpo/.
Nova Scotia Residents: The cost of borrowing is $22.00 per $100 on a $300 loan for 14 days (573.57% APR). $300 for $20 promotional rate - Under this offer, the cost of borrowing is $6.67 per $100 on a $300 loan for 14 days (173.81% APR).
Ontario Residents: The maximum allowable cost of borrowing per $100 borrowed in Ontario is $15. Our cost per $100 borrowed is $15. On a $300 loan for 14 days, the cost of borrowing is $45, with a total repayment amount of $345. $300 for $20 promotional rate - Under this offer, the cost of borrowing would per $100 would be $6.67 on a $300 loan for 14 days, a total cost of borrowing of $20, with a total repayment amount of $320.
Saskatchewan Residents: The maximum allowable cost of borrowing under payday loan agreements in Saskatchewan is $17 per $100 borrowed. We charge $17 per each $100 borrowed. On a $300 loan for 14 days, the total cost of borrowing is $51, with a total payback amount of $351 and an APR of 443.21%.

Online Installment Loans/Lines of Credit: Loan minimum of $500 to a maximum of $10,000, based on a completed application, net pay and other qualification requirements, and customer verification including a credit check. Installment loan terms are from 6 months to 60 months and are based on the amount lent. Store Installment Loans/Lines of Credit: Loan minimum of $100 to a maximum of $10,000, based on a completed application, net pay and other qualification requirements, and customer verification including a credit check. Installment loan terms are from 6 months to 60 months and are based on the amount lent. Payments are due on scheduled income deposits. Cash Money offers short term personal loans and is not a credit repair service. Annual Interest Rate 46.93%

Lending decisions and funding times subject to system limitations. Opt+ instant funding is only available for existing Opt+ cardholders (sold separately), and is not available to payday loan borrowers in British Columbia.

Western Union® and the Western Union® logo are registered trademarks of Western Union® Holdings, Inc.

Loan Protection: Loan Protection Plans are not available in British Columbia, or on personal lines of credit greater than $5,000. Must be between 18 and 70 years of age to be eligible. Policy sold and administered by IWS Creditor Group Inc. Underwritten by Western Life Assurance Company.

Opt+: This card is issued by PACE Savings and Credit Union Limited pursuant to license by Mastercard International. Use of this card is governed by the agreement under which it is issued. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Free load and unloads at Cash Money locations only.

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